How to Find the Best Insurance Agent in Ponca City

When trying to find a good insurance agent in Ponca City, OK, it’s recommended you start your search by getting online comparison quotes instead of calling around. Consumers require a professional licensed agent, but also need cheap rates.

Consumers have many insurance agents to purchase coverage from, and although it’s a good thing to have multiple companies, it can be more difficult to compare rates and cut insurance costs.

Why do I need an agent?

Professional agents are trained to spot inefficiencies and give you peace of mind. One of the great benefits of getting online price quotes is you can get better rates but still work with a licensed agent.

By using this simple form, the coverage information is emailed to companies in Ponca City who will give you bids to get your business. You don’t have to visit any agencies because quoted prices will be sent straight to your inbox. How cool is that?!

Choosing an auto insurance agent should depend on more than just a cheap price. Some important questions to ask are:

  • Which insurance companies are they affiliated with?
  • How long has their agency been in business in Ponca City?
  • Is the agent and/or agency licensed to do business in Oklahoma?
  • Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
  • How are they compensated?

What types of car insurance agents are in Ponca City?

When researching a good insurance agency, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agents can either be independent or captive. Both types can do a good job, but it’s worth learning the difference between them since it may influence your selection of an agent.

Captive Agents

Captive agents are contracted to one company such as Allstate, AAA, Liberty Mutual and State Farm. They are unable to place coverage with different providers so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable on their company’s products which helps them compete with independent agents.

Shown below is a short list of captive agencies in Ponca City willing to provide price quote information.

Oklahoma Farm Bureau – 1312 Princeton Ave – Ponca City, OK 74601 – (580) 762-4211
State Farm Insurance – 923 E Highland Ave – Ponca City, OK 74601 – (580) 762-1362
Shelter Insurance – 2128 N 14th St # 4 – Ponca City, OK 74601 – (580) 767-1276

Independent Insurance Agents

Independent agents are not required to write business for one company but rather can write business amongst many companies and possibly get better coverage at lower prices. If your agent finds better pricing, the business is moved internally and you won’t have to switch agencies.

When comparison shopping, we recommend you include price quotes from multiple independent agents to get the best comparison.

Shown below is a list of independent insurance agencies in Ponca City that can give you price quote information.

Larry Murphy Insurance – 400 E Central Ave # 303 – Ponca City, OK 74601 – (580) 767-1520
Larry Weems Insurance – 713 N 14th St – Ponca City, OK 74601 – (580) 762-1672
Wetzel Agency Inc – 410 E Grand Ave – Ponca City, OK 74601 – (580) 765-5566
Myers Agency – 214 S 4th St – Ponca City, OK 74601 – (580) 762-6363

To view a full list of auto insurance agents in Ponca City, please view this page.

Once you have received satisfactory answers to these questions and an affordable coverage quote, you have narrowed it down to an auto insurance agent that can insure your vehicles.

The online companies are an option

Local insurance agents can be invaluable at times, but you can also find affordable Oklahoma auto insurance directly from online companies. Certain auto insurance companies, such as Farmers Insurance and State Farm, who have local Ponca City agents additionally provide the ability to buy direct online, and that can save time if finding the best price is important.

If you’re uneasy about choosing your own coverages, this really isn’t an issue. Companies that require consumers to choose their own coverages provide access to licensed agents for getting questions answered. Many online companies also provide live chat and online tools that you can use before buying.

Will auto insurance cost less online? That question is hard to answer because of the number of factors that are calculated into your premium. It’s a logical assumption that buying directly from the company cuts out the agent as a middleman. But the fact is, there are high advertising and marketing costs so the rates may be similar to buying from an agent.

Ponca City Oklahoma insurance agency

Read more about Oklahoma auto insurance

More detailed Oklahoma auto insurance information can be read at the Oklahoma Insurance Department website. Visitors are able to report car insurance fraud, find out industry alerts, and get help finding coverage.

Also read more on this online resource for free quotes in Oklahoma and this list of insurance agents in Ponca City.

More comparisons equals lower rates

People who switch companies do it for a number of reasons such as denial of a claim, unfair underwriting practices, an unsatisfactory settlement offer or policy cancellation. Regardless of your reason for switching companies, finding a new company is not as hard as you think.

Lower-priced auto insurance can be purchased from both online companies and with local Ponca City insurance agents, and you need to price shop both so you have a total pricing picture. Some auto insurance companies do not offer online quoting and many times these smaller companies only sell through independent insurance agents.